IFSC Code of Almora Urban Cooperative Bank Limited, Chowk Bazar, Bageshwar Branch, Uttarakhand

Below are the complete branch details for Almora Urban Cooperative Bank Limited, CHOWK BAZAR, BAGESHWAR branch, located in BAGESHWAR, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is AUCB0000004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case AUCB0000004 for Almora Urban Cooperative Bank Limited – CHOWK BAZAR, BAGESHWAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AUCB0000004 is the IFSC of Almora Urban Cooperative Bank Limited's CHOWK BAZAR, BAGESHWAR branch. The format is fixed: AUCB = bank code, 0 = reserved, 000004 = branch identifier.

About the bank

Almora Urban Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chowk Bazar, Bageshwar branch in Bageshwar, Uttarakhand is part of this network and uses the IFSC code AUCB0000004 for all electronic settlement.

About this branch

The branch is located at CHOWK BAZAR, BAGESHWAR. It serves the Bageshwar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Almora Urban Cooperative Bank Limited. The IFSC AUCB0000004 is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Almora Urban Cooperative Bank Limited's CHOWK BAZAR, BAGESHWAR branch came to be assigned the code AUCB0000004.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC AUCB0000004, money simply cannot be routed to the CHOWK BAZAR, BAGESHWAR branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Almora Urban Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AUCB0000004 and the account number together uniquely identify the Chowk Bazar, Bageshwar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC AUCB0000004

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC AUCB0000004 across all three.

How to use IFSC AUCB0000004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Almora Urban Cooperative Bank Limited's CHOWK BAZAR, BAGESHWAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC AUCB0000004.
4. Confirm the bank name auto-populates as Almora Urban Cooperative Bank Limited and the branch as CHOWK BAZAR, BAGESHWAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHOWK BAZAR, BAGESHWAR

If you need to transfer ₹2 lakh or more in one go to an account at Almora Urban Cooperative Bank Limited's CHOWK BAZAR, BAGESHWAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUCB0000004 while initiating the transfer and the credit will appear within minutes.

IMPS to Almora Urban Cooperative Bank Limited CHOWK BAZAR, BAGESHWAR (IFSC AUCB0000004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUCB0000004 in your mobile or internet banking app, and the money is credited to the CHOWK BAZAR, BAGESHWAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AUCB0000004 for Almora Urban Cooperative Bank Limited – CHOWK BAZAR, BAGESHWAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Chowk Bazar, Bageshwar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC AUCB0000004

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Almora Urban Cooperative Bank Limited – CHOWK BAZAR, BAGESHWAR is still mapped to IFSC AUCB0000004. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC AUCB0000004 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chowk Bazar, Bageshwar branch is mapped to IFSC AUCB0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of Almora Urban Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains AUCB0000004.

Banking services available

The Chowk Bazar, Bageshwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5963-220176.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC AUCB0000004

Online banking and IFSC AUCB0000004

Almora Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHOWK BAZAR, BAGESHWAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC AUCB0000004 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Chowk Bazar, Bageshwar branch sits at CHOWK BAZAR, BAGESHWAR. If you are travelling from outside Bageshwar, search for the branch on a maps application using the bank name and locality, or call 5963-220176 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC AUCB0000004 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Almora Urban Cooperative Bank Limited – CHOWK BAZAR, BAGESHWAR:

• The IFSC is exactly AUCB0000004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Almora Urban Cooperative Bank Limited as the bank name and CHOWK BAZAR, BAGESHWAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Chowk Bazar, Bageshwar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to AUCB0000004 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000004 for Almora Urban Cooperative Bank Limited – CHOWK BAZAR, BAGESHWAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: AUCB0000004 is the IFSC code of Almora Urban Cooperative Bank Limited, CHOWK BAZAR, BAGESHWAR branch, in BAGESHWAR, UTTARAKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.